Logotype for Vietnam Technological and Commercial Joint Stock Bank

Vietnam Technological and Commercial Joint Stock Bank (TCB) investor relations material

Vietnam Technological and Commercial Joint Stock Bank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Vietnam Technological and Commercial Joint Stock Bank
Q2 2025 earnings summary22 Jul, 2025

Executive summary

  • Achieved record-high quarterly profit before tax of VND 7.9 trillion in Q2 2025, up 9% QoQ, with strong fee income and a robust CASA ratio above 40%.

  • Asset quality remained strong, with NPLs among the lowest in the industry, organic NPL at 1.05%, and coverage ratio at 106%.

  • Maintained market-leading ROA at 2.2% (LTM), and expanded digital and wealth banking services.

  • Interim financials reviewed by Ernst & Young Vietnam found no material misstatements.

  • Operates a broad network with 300 branches, four subsidiaries, and 12,355 employees.

Financial highlights

  • Total assets rose to VND 1,037,645 billion as of June 2025, with loans to customers up to VND 710,313 billion and deposits at VND 545,079 billion.

  • Net profit attributable to shareholders was VND 12,195 billion, down 1.8% YoY; basic EPS at VND 1,731.

  • TOI declined 4.8% YoY in Q2 2025 due to NIM compression and lower trading income; NIM at 3.7%-3.8%.

  • Cost-income ratio at 29.2%-30%, ROA at 2.2%, and fee income stable at 24% of TOI.

  • Credit growth at 10.6%-12% YTD; credit cost reduced to 0.4%-0.6%.

Outlook and guidance

  • FY25 guidance unchanged: targeting low double-digit credit growth, NPL managed below 1.5%, and CIR to remain in the 30-35% range.

  • Full-year GDP forecast at 7.7%, with strong export and FDI expected to support growth.

  • NIM expected to remain under pressure, likely below 4%; fee income growth to accelerate in H2 2025.

  • The bank will comply with new profit distribution regulations under Decree 135/2025/ND-CP effective 1 August 2025.

  • No significant post-reporting period events affecting operations were identified.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Vietnam Technological and Commercial Joint Stock Bank earnings date

Logotype for Vietnam Technological and Commercial Joint Stock Bank
Q3 202522 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Vietnam Technological and Commercial Joint Stock Bank earnings date

Logotype for Vietnam Technological and Commercial Joint Stock Bank
Q3 202522 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage