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Vietnam Technological and Commercial Joint Stock Bank (TCB) investor relations material
Vietnam Technological and Commercial Joint Stock Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Achieved record pre-tax profit (PBT) in Q3 2025, with VND 8.3T for the quarter and VND 23.4T for 9M25, marking the strongest quarter in history.
Total assets reached VND 1,129,570,458 million as of 30 September 2025, up from VND 978,798,549 million at year-end 2024, reflecting robust growth in loans and deposits.
Maintained robust return on assets, high capital adequacy ratio (CAR) at 15.8%, and strong asset quality.
Digital banking and e-banking transactions grew, with a 25% increase in retail e-banking customers year-over-year.
Shareholders' equity rose to VND 179,430,593 million, supported by retained earnings and increased non-controlling interests.
Financial highlights
Total operating income (TOI) for 9M25 reached VND 38.6T, up 3.1% year-over-year; Q3 PBT rose 14.4% year-over-year.
Net interest income for 9M25 was VND 27.4T, up 1.7% year-over-year; net fees and commission income reached VND 6,201,060 million.
Provision expenses for credit losses decreased to VND 3,603,061 million from VND 3,964,450 million year-over-year.
Loans to customers increased to VND 766,709,929 million, up from VND 631,724,964 million at year-end 2024.
Deposits from customers grew to VND 595,086,941 million, compared to VND 533,392,350 million at year-end 2024.
Outlook and guidance
Vietnam GDP growth forecast at 7.7% for 2025, with strong domestic consumption and FDI inflows.
Credit growth quota at 18.4%, with potential for increase; NIM expected around 3.8% for 2025, below 2024's 4.2%.
CIR to remain between 30%-35%; NPL ratio to stay below 1.3%.
Credit costs projected to decline further in 2025.
Profit distribution to comply with Decree No. 135, prioritizing capital and financial reserves.
Explain the significant rise in non-controlling interests
Assess the impact of Circular 02 on asset quality
Analyze the drivers of net fee income decline
How will Decree 232 impact gold market strategy?
Update on corporate real estate exposure target
Discuss other capital management measures
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Next Vietnam Technological and Commercial Joint Stock Bank earnings date
Q4 202521 Jan, 2026
Next Vietnam Technological and Commercial Joint Stock Bank earnings date
Q4 202521 Jan, 2026
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Frequently asked questions
Vietnam Technological and Commercial Joint Stock Bank, commonly known as Techcombank, is a prominent banking service provider in Vietnam. Established to cater to the financial needs across various sectors, Techcombank offers a wide range of banking services including personal banking, corporate banking, priority banking, and investment banking. For individual clients, the bank provides services such as payment accounts, savings accounts, consumer loans, mortgage loans, auto loans, study loans, and securities pledged loans. Corporate clients benefit from customized account packages, term deposits, liquidity management, e-banking services, international money transfers, foreign exchange, capital trade, and various payment services. The company is headquartered in Hanoi, Vietnam, and its shares are listed on the Ho Chi Minh City Stock Exchange.
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