On the morning of April 24, 2026, VietCredit Joint Stock Company successfully held its 2026 Annual General Meeting of Shareholders in Ho Chi Minh City, with the participation of the Board of Directors, the Executive Board, the Supervisory Board, esteemed shareholders, and representatives of the press.
The meeting was conducted seriously and transparently, approving many important contents related to the company’s development strategy for the coming period. With breakthrough business results in 2025 and the first quarter of 2026, the meeting unanimously approved an ambitious business plan, affirming the roadmap to becoming a leading technology-driven finance company in Vietnam.
The foundation of the strong breakthrough business results in 2025
2025 marks a record growth journey for VietCredit. According to the report approved at the General Meeting, the company’s total assets as of the end of 2025 reached VND 17,641 billion, an increase of 116.2% compared to 2024. Notably, pre-tax profit reached VND 1,303 billion, a growth of 936% compared to the previous year.
Based on undistributed profits exceeding VND 1,031 billion, the General Meeting unanimously agreed to use the entire VND 830.2 billion retained earnings to issue shares to existing shareholders to increase charter capital. This capital increase will not only strengthen financial capacity but also create a solid foundation for VietCredit to be ready for larger-scale digital transformation projects in the future.
Q1/2026: Continued Growth with Positive Signals
Continuing the development momentum, the Board of Directors reported impressive business results for Q1/2026. Pre-tax profit reached nearly VND 577.7 billion, a 662.1% increase compared to the same period in 2025. With this result, after only the first three months of the year, VietCredit has already completed over 24% of its profit target for the entire year of 2026.
Mr. Ho Minh Tam, General Director of VietCredit, shared that the main driving force comes from expanding the customer base to 1.5 million profiles and the keen ability to capitalize on market consumer demand. This achievement demonstrates the sound management strategy and the flexible adaptability of the staff in the face of economic fluctuations.
Key Strategy for 2026: The “Art” of Understanding Customers on an AI Platform
At the General Meeting, the VietCredit leadership reaffirmed the company’s strategic positioning as a Fintech Lending Company. VietCredit’s core difference lies not only in its application of technology, but also in the combination of the power of artificial intelligence (AI) with the “art” of deeply understanding customer insights.
In 2026, VietCredit will focus on the following key objectives:
Technology Optimization: Upgrading infrastructure with disaster recovery solutions, high availability, and approaching international security standards ISO 27001 and PCI DSS.
Automated Approval: Strengthening API connectivity with e-wallet ecosystems, aiming for an automated application approval rate of over 80% with processing times under 5 minutes.
Product Personalization: Utilizing machine learning to forecast demand and design personalized credit solutions, particularly focusing on near-prime customers and small and medium-sized enterprises (MSMEs).
Through the VND 2,400 billion profit plan
Based on the results achieved, the General Meeting voted to approve the 2026 business plan with a target of VND 2,400 billion in pre-tax profit. Total assets are projected to reach VND 32,881 billion and outstanding credit balances to reach VND 30,923 billion.
Along with the growth target, VietCredit identifies asset quality control as a key focus in 2026. The company aims to reduce the non-performing loan ratio to approximately 5% through portfolio restructuring and strict control of the disbursement process.
The General Meeting also approved the plan to use the entire VND 830.2 billion in retained earnings from 2025 to issue shares to existing shareholders to increase charter capital. Simultaneously, the company will continue to implement the employee share issuance program as planned.
These decisions aim to strengthen financial capacity and lay the foundation for the next growth phase.
Long-term Vision and Roadmap for Listing on the HOSE Stock Exchange
In its long-term strategy, VietCredit continues to affirm its position as a technology-driven financial company, focusing on promoting the application of artificial intelligence, big data, and connecting the digital ecosystem to enhance customer experience and expand access to financial services.
One of the most important pieces of information announced at the General Meeting was the listing roadmap. After a period of profit accumulation and system refinement, VietCredit plans to transfer from the UPCoM exchange to the HOSE exchange in 2027. This is a strategic step to enhance transparency, brand reputation, and increase access to large capital sources from international investors.
Looking back at 2025, VietCredit recorded impressive growth results with total assets reaching VND 17,641 billion and pre-tax profit reaching VND 1,303 billion. This is an important foundation for the Company to enter a new growth cycle with higher targets in 2026 and subsequent years.
General Meeting of Shareholders