)

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.
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.
Next Vietnam Technological and Commercial Joint Stock Bank earnings date

Next Vietnam Technological and Commercial Joint Stock Bank earnings date

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.
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.
)
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.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
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.
)
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.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
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.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
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.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
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.
Explore our global coverage