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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, 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.
Profit after tax for the nine months ended 30 September 2025 was VND 18,974,646 million, a 3.46% increase year-over-year, driven by higher net interest income and gains from investment securities.
Total operating income (TOI) for nine months reached VND 38.6 trillion, with strong performance across all business lines.
Shareholders' equity rose to VND 179,430,593 million, supported by retained earnings and increased non-controlling interests.
Financial highlights
Q3 PBT reached VND 8.3 trillion, up 14% year-over-year.
Net interest and similar income for the period was VND 27,367,112 million, up from VND 26,906,146 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.
Assets under management grew 57% year-over-year; affluent customers up 66%.
CASA balances grew 18% year-to-date, improving CASA ratio to 42.5%.
Fee income flat year-over-year due to negative one-offs, but most fee categories grew over 30%.
Provision expenses for credit losses decreased to VND 3,603,061 million from VND 3,964,450 million year-over-year.
Outlook and guidance
On track to meet or exceed full-year PBT target of VND 31.5 trillion.
Vietnam GDP growth forecast at 7.7% for 2025, with strong domestic consumption and FDI.
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%.
The bank will distribute profit in compliance with Decree No. 135, prioritizing capital reserves and financial reserves before discretionary distribution.
New accounting guidelines for Letters of Credit and profit distribution regulations were implemented during the period.
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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