According to the bank’s latest financial report for the period, it earned VND32.8 trillion in operating income in the period, up 18.3% year-on-year. As of September 30, the bank’s total assets amounted to more than VND1,268 trillion, up 12.67% compared to the same period last year. The bank has mobilised some VND953.5 trillion in capital, up 10.9% compared to the beginning of the year. Its credit structure has shifted towards increasing the proportion of retail sector and small- and medium-sized enterprise (SME) segments; and short-term debt, focusing on terms of production and business. The BIDV continues to be the leading joint-stock commercial bank. The bank is focusing its resources for its restructuring plan in connection with dealing with bad debts, and working to mobilise more capital in line with its roadmap.