• PBT of VND 14.1 trillion – up 22.3% YoY 
  • TOI of VND 21.1 trillion – up 16.6% YoY
  • Strong 47.5% CASA ratio and sector-leading 3.6% ROA
  • Robust Basel II CAR of 15.7%


Hanoi, 21 July, 2022 - Vietnam Technological and Commercial Joint Stock Bank (“Techcombank”) today announced another strong set of financial results for the six months ended 30 June, 2022.


 “Techcombank extended its strong momentum during 2Q22, navigating a significantly more volatile environment. Our core revenue engines continued to perform well, with credit demand and margins remaining high and strong double-digit growth from key fee drivers. Notably, we were able to accelerate credit exposure diversification toward retail customers, who at the end of June accounted for 46.6% of our credit balances, up from 38.8% at the end of March. 


During 2Q22, we advanced several digital initiatives to bring simple and intuitive “Banking at your fingertips” solutions to our customers. We launched a new mobile app for business customers and migrated over 70% of our active retail customers to our new retail banking app. Our commitment to delivering outstanding customer experiences won us “Best Bank in Vietnam” for the second year in a row by Euromoney. We will now build on this success by continuing to upgrade our technology and infrastructure and offering new and unique digital experiences.” 


- Jens Lottner, CEO Techcombank

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