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Strategic partnerships also strengthened distribution. Cooperation with e-wallet provider MoMo now allows more than 30 million users to directly access F88's secured lending services through the MoMo app. Meanwhile, collaboration with Military Bank (MB) has enabled F88 to operate a agent banking model at all transaction points, processing over 100,000 transactions for MB customers during the year.
F88 Chairman Phùng Anh Tuấn said the results reflected the company's consistent strategy of balancing expansion with financial discipline.
"Our fourth-quarter and full-year performance demonstrates our commitment to sustainable growth, customer-centric services and prudent risk management," Tuấn said.
"In 2026, we will continue selective expansion, improve portfolio quality, develop complementary financial services and deepen strategic partnerships to reinforce our leadership in Việt Nam's alternative finance sector."
Beyond its business performance, F88 also gained recognition for corporate governance and workplace standards. The company was named a Best Managed Company by Deloitte Private and ranked among the top 100 best places to work nationwide by Anphabe and the Việt Nam Chamber of Commerce and Industry.