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Visual23 Jan 2026
Waste Management revenue and FCF
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 Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved third consecutive quarter of record earnings and profits, with full-year PBT of VND 32.5 trillion, exceeding AGM guidance.
Consolidated profit after tax for 2025 increased by VND 4,194,368 million, a 19.28% rise year-over-year, driven by higher net interest, fee, and investment income, despite increased provisions and tax expenses.
Maintained strong operational control, with a cost-income ratio of 30.8% and ROA at 2.4%, among the highest in Vietnam.
Significant credit growth of 18.4% matched quota, while NPLs and Bucket 2 balances declined, and coverage ratio rose to 128%.
The bank expanded its network to 302 branches and five subsidiaries, with a workforce of 12,705 employees as of year-end 2025.
Financial highlights
Q4 2025 TOI reached VND 14.8 trillion; Q4 PBT was VND 9.2 trillion, up 19.5% year-over-year.
Total assets reached VND 1,192,344,137 million at year-end 2025, up from VND 978,798,549 million in 2024.
Loans to customers grew to VND 767,617,129 million, a significant increase from VND 631,724,964 million year-over-year.
Profit before tax for 2025 was VND 32,538,066 million, compared to VND 27,538,368 million in 2024.
Net profit attributable to shareholders was VND 25,954,472 million, up from VND 21,760,104 million.
Outlook and guidance
2026 GDP growth expected at 8%, with credit growth quota initially at 12% but likely to be higher.
NIM expected to stabilize between 3.6%-3.8%, with short-term pressure in early 2026.
Cost-income ratio to remain in 30%-35% band; NPL managed below 1.5%, credit cost below 1%.
The bank adopted new accounting policies in 2025, including changes for letters of credit and profit distribution, in line with updated regulations.
Fee-based income and cross-selling to drive double-digit growth.
Impact of Techcombank Saigon Building sale on profit
How Circular 02 impacts loan loss provisioning?
Rationale for increased insurance subsidiary ownership?
New credit growth sectors beyond real estate?
Unsecured lending: How are risks mitigated?
Dividend policy: Any changes expected?
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Next Vietnam Technological and Commercial Joint Stock Bank earnings date
Q1 202624 Apr, 2026
Vietnam Technological and Commercial Joint Stock Bank
Next Vietnam Technological and Commercial Joint Stock Bank earnings date
Q1 202624 Apr, 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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