Nam A Commercial Joint Stock Bank Bond – NAB125004
Company Information
Nam A Commercial Joint Stock Bank (Nam A Bank) was established in 1992 and is one of the first joint-stock commercial banks in Vietnam. With more than 30 years of continuous development, Nam A Bank has built a solid position within the banking sector through its extensive nationwide network, strong financial foundation, and strategic focus on digital banking innovation.
Over three decades of operation, the Bank has expanded its presence to 280 business locations across Vietnam, established correspondent relationships with more than 330 banks worldwide, and grown its workforce to over 5,300 employees. As of the end of 2025, Nam A Bank’s charter capital reached VND 17,176 billion, reflecting its steadily strengthening financial capacity and long-term growth trajectory.
In addition to its strong business performance, Nam A Bank has earned recognition through numerous prestigious awards and rankings. The Bank was included in the Fortune Southeast Asia 500 list of the region’s largest enterprises, ranked among the Top 30 Strongest Banking Brands in Vietnam in 2025, and recognized as one of the Top 50 Most Effective Companies in Vietnam. Nam A Bank was also honored as an Outstanding Digital Bank for Green Credit in 2025 and recognized as the leading bank in terms of card transaction sales growth in 2024, underscoring its commitment to innovation, sustainable development, and operational excellence.
Financial Situation
| Financial Information (Billion VND) | 2022 | 2023 | 2024 | 2025 |
| Profit after tax | 1.808 | 2.621 | 3.607 | 4.182 |
| Total Asset | 177.579 | 209.896 | 245.129 | 418.333 |
| ROE | 14.3% | 17.2% | 18.7% | 17.8% |
| Owner’s Capital | 12.650 | 15.241 | 19.289 | 23.431 |
| NIM | 3% | 3.3% | 3.3% | 2.1% |
Bond Information
| Issuance Scale | 1.000.000.000.000 VND (1.000 billion VND) |
| Issue Date | 30/12/2025 |
| Maturity Date | 30/12/2032 |
| Coupon Payment Period | once per |
| Coupon Rate | The first 5 years: Reference interest rate + 2.8% per annum From the 6th year: Reference interest rate + 3,4% per annum Current period (30/12/2025 – 30/12/2026): 8% per annum |
| Expected Redemption Date | 30/12/2027 |
Bond Documentaries
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