Vietnam Technological and Commercial Joint Stock Bank (TCB) Q3 2026 earnings summary

Executive summary

• Q3 2026 profit after tax was VND 6,328,787 million, up 29.47% YoY; 9M profit after tax reached VND 18,720,684 million.

• At 30 September 2026, total assets were VND 1,238,887,982 million, with customer loans of VND 813,733,754 million and customer deposits of VND 671,471,234 million.

Financial highlights

• 9M net interest income was VND 28,707,285 million vs VND 25,713,640 million; net fee income was VND 7,060,325 million vs VND 4,134,078 million YoY.

• 9M total operating income was VND 38,131,993 million vs VND 32,374,367 million; operating expenses were VND 12,234,778 million vs VND 10,643,184 million.

• 9M profit before tax was VND 23,386,332 million vs VND 18,132,336 million; credit-loss provisions were VND 2,510,883 million vs VND 3,598,847 million YoY.

• Q3 net interest income was VND 10,608,270 million vs VND 9,277,941 million; net fee income was VND 2,390,323 million vs VND 1,524,683 million YoY.

• 9M net gain from FX trading was VND 865,892 million vs VND 1,429,770 million; net gain from other operating activities was VND 972,594 million vs VND 1,250,808 million.

Segment performance

• Loans to economic entities were VND 471,310,422 million, or 57.93% of the loan book; individual loans were VND 342,423,332 million, or 42.07%.

• Real estate loans were VND 204,383,644 million, or 25.12% of the loan book, compared with 28.60% at 31 December 2025.