)
Visual
test
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 and marking the highest ever full-year PBT.
Maintained position as Vietnam's largest private sector bank with a $29.2Bn loan book, $6.8Bn equity, and 67% affluent market share, leading in mortgages, credit cards, and wealth management.
Best-in-class financial metrics: 2.4% ROA, 40.4% CASA ratio, 13.2% Tier 1 ratio, 1.13% NPL ratio, and 6.6x leverage.
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.
Awarded Best Bank in Vietnam by multiple international organizations for consecutive years.
Financial highlights
FY2025 TOI reached VND 53.4 trillion, up 13.6% YoY; PBT hit VND 32.5 trillion, up 18.2% YoY; Q4 2025 TOI was VND 14.8 trillion and PBT VND 9.2 trillion, up 19.5% YoY.
Loans to customers grew to VND 767,617,129 million, up from VND 631,724,964 million; deposits from customers rose to VND 618,911,535 million.
NFI exceeded VND 11.5 trillion, maintaining leadership in fee income; consolidated NIM remained resilient at 3.8%.
NPL improved to 1.13% (-4bps YoY), with a coverage ratio of 128%; CAR at 14.6% remains market-leading.
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.
Focus on portfolio diversification, increased exposure to infrastructure, healthcare, and unsecured lending, and strengthening fee-based income through advisory and new products.
Continued investment in AI and digital transformation to drive operational excellence and customer experience.
Profit distribution will comply with Decree 135, effective August 2025, impacting future reserve and dividend allocations.
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- MAERSK
Strong FY25 results with robust cash returns, but FY26 outlook cautious amid market headwinds. - VATN
Record profit, higher dividend, CET1 at 17.2%, and CHF 75m share buyback announced. - MATAS
Record Q3 revenue growth led by Matas, but KICKS declined as consumers traded down. - CZWI
Q2 2025 net income was $3.3M, with margin gains and a 5% buyback authorized. - MILDEF
Record-breaking growth and profitability in 2025, fueled by acquisitions and strong order intake. - MYCR
Q4 sales down 2%, order intake down 19%, but record full-year sales and four acquisitions. - VF
Underlying EBIT up 81% to SEK 30.9 bn; profit down 41% amid divestments and major investments. - ADDT
Earnings and margins rose, acquisitions accelerated, and outlook remains positive. - NCC
Record profits in core segments, major impairment, dividend maintained, outlook positive. - 7004
Order intake and sales rose, but losses and technical issues led to lower profit forecasts.
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
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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.
)
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
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.
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@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