• VND 23.2 trillion PBT – up 47.1% YoY
  • TOI up 35.4% YoY to VND 37.1 trillion
  • Strengthened sector-leading 50.5% CASA ratio and 3.7% ROA
  • Robust Basel II CAR of 15%


 FY21 saw TCB record a USD 1 billion+ pre-tax profit, despite COVID’s fourth wave, reinforcing the resilience and potential of our business models. TOI grew 35.4%, while our sector-leading CASA ratio reached 50.5%. Our relentless focus on transformation and technology investments, to meet the needs of our fast-growing customer base, drove an impressive 81% rise in the value of e-banking transactions. 


We’re cautiously optimistic for Vietnam in 2022. Vietnam’s vaccination rate – one of the world’s best – will help us manage COVID in its many variants. Business sentiment is positive and cross-border travel is gradually being relaxed. Prudent risk management, cost optimisation, and investments in Digital, Data and Talent, position us well to capitalise on economic recovery. Importantly, we will continue standing by our customers, especially in tough times like the past two unprecedented years. 


- Jens Lottner, CEO Techcombank 

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