Techcombank | 2021 Annual Report


Board of Directors

Our Leadership

Our Supervisory Board


On Corporate Governance

Techcombank is gradually developing and adopting a transparent and effective Corporate Governance structure, ensuring the interests of our customers, employees, shareholders and investors; thereby guaranteeing the sustainable development and value of our organisation.

Board of Directors

Tenure of BOD


Above 11 years


6 - 10 years


Under 5 years


Independent Director


Non-Executive Directors

Mr Ho Hung Anh


Age 52 | Board member since 03/2004


Mr Ho has been the Chairman of Techcombank’s Board of Directors since May 2008. Prior to his election as Chairman, Mr Ho served as a member of Techcombank’s Board of Directors from 2004. His professional career also includes several years of executive-level experience at large organisations, including Masan.


Mr Ho holds a degree in Electrical Engineering from the Kiev Polytechnic Institute in the Ukraine and a Masters Degree in Human Resource Management from Moscow Automobile and Road Construction State Technical University (MADI), Russia.

Mr Nguyen Dang Quang

First Vice Chairman

Age 59 | Board member since 01/2000


Mr Nguyen has served as First Vice Chairman of Techcombank’s Board of Directors since April 2016. Previously, he was a member of Techcombank’s Board of Directors from May 2014 to March 2016 and was First Vice Chairman of the Bank from May 2008 to April 2014. Before becoming a Director of Techcombank, Mr Nguyen had more than 20 years of executive experience, including key management positions at Techcombank since 1995 and membership on the Board of Directors of Masan.


Mr Nguyen holds a PhD from the National Academy of Sciences of Belarus and an MBA from the Plekhanov Russian University of Economics.

Mr Nguyen Thieu Quang

Vice Chairman

Age 63 | Board member since 06/2000


Mr Nguyen has been a member of Techcombank’s Board of Directors since 1999 and became Vice Chairman of Techcombank’s Board of Directors in May 2008. Mr Nguyen has significant executive experience including various key positions at Masan, Vinaconex and Senco.


Mr Nguyen holds a degree in civil engineering from Donetsk Polytechnic Institute in Ukraine (now Donetsk National Technical University).

Mr Nguyen Canh Son

Vice Chairman

Age 55 | Board member since 05/2008


Mr Nguyen has served on the Board of Directors since May 2008 and has been the Vice Chairman of Techcombank’s Board of Directors since April 2009. Mr Nguyen has more than 20 years of experience including the positions of Chairman at Eurowindow Holding and Board member at T&M Invest Vietnam.


Mr Nguyen holds a degree in civil engineering from the Moscow Institute of Civil Engineering in Russia (now Moscow State University of Civil Engineering).

Mr Do Tuan Anh

Vice Chairman

Age 49 | Board member since 12/2012


Mr Do has been Vice Chairman of the Board of Directors and Deputy CEO of Techcombank since June 2015 and served as a member of Techcombank’s Board of Directors from December 2012. Prior to his appointment to the Board of Directors, Mr Do held various management positions at the State Bank of Vietnam and Techcombank, including Deputy Director General of International Cooperation Department and Director of the Banking Supervision Agency, Senior Assistant to the Board of Directors and Head of the Strategy and Corporate Development Division.


Mr Do holds a Master’s degree in Wealth Management from Singapore Management University (Singapore).

Mr Lee Boon Huat

Non-Executive Director

Age 65 | Board member since 12/2012


Mr Lee has been a member of Techcombank’s Board of Directors since May 2014. Prior to that, he was an Independent Director of the Board from December 2012 to April 2014. Before joining Techcombank, Mr Lee worked with several international organisations, including the Monetary Authority of Singapore, HSBC, Canadian Imperial Bank of Commerce, Chemical Bank and Standard Chartered Bank.


Mr Lee holds a Bachelor’s degree in Business Accounting from the Western Australian Institute of Technology (now Curtin University).

Mr Saurabh Narayan Agarwal

Non-Executive Director

Age 41 | Board member since 04/2019


Mr Agarwal was appointed to Techcombank’s Board in April 2019. Prior to joining Techcombank, he worked for many years in finance and financial investment, holding executive positions such as Senior Analysis Expert, Director of McKinsey Company in New Delhi, India, and New Jersey in the US; and was Director of Warburg Pincus in New York, US and Singapore


Mr Agarwal graduated from the Indian Institute of Technology Bombay with a Bachelor’s degree in Technology and Electrical Engineering, and a Master’s degree in Technology and Microelectronics, and holds a Master’s degree in Business Administration from Harvard Business School in the US.

Mr Nguyen Nhan Nghia

Independent Director

Age 53 | Board member since 04/2019


Mr Nguyen was appointed Techcombank’s Independent Director in April 2019. Prior to joining Techcombank, he held executive positions at financial institutions and banks, including Deputy Head of Department, Head of Rural Finance Project under the International Credit Project Management Unit at the State Bank of Vietnam, Deputy Head of BIDV’s Business Center 3, Deputy CEO and CEO of BIDV-Vietnam Partners.


Mr Nguyen graduated from Water Resources University, majoring in Water Engineering, has a Finance and Economics Master’s degree from the University of London, and was awarded a CFA (Chartered Financial Analyst) Certificate, through an international professional Financial Analysis Program offered by CFA Institute in the US.

Mr Ho Anh Ngoc

Vice Chairman

Age 40 | Board member since 04/2021


Mr Ho has been Vice Chairman of Techcombank’s Board of Directors since April 2021. Prior to his appointment, Mr Ho had more than 14 years of experience in key management positions at Techcombank and its subsidiaries. He held executive positions at several large organisations, including One Mount Group JSC, One Mount Real Estate JSC, One Mount Distribution JSC and One Mount Consumer JSC.


Mr Ho graduated from Macquarie University, Sydney, Australia with a Bachelor’s degree in Commerce and Accounting and a Master’s degree in Economics. He is also a Member of CPA Australia.

Mr Nguyen Tuan Minh

Head of BOD Office-cum-Corporate Secretary

Mr Nguyen joined Techcombank in May 2013 and has more than 8 years of executive experience, including many different management positions at Techcombank such as Head of Legal; Head of Compliance at Operational Risk and Legal Division; and Head of Legal Counsel in Corporate Affairs Division. Prior to that, he spent over 20 years in legal consulting – as a practising lawyer, an in-house general counsel and in a senior management position in a private law firm, in the Vietnam branch of an international law firm and in a commercial bank and securities company. Mr Nguyen has held his current position since November 2019.


Mr Nguyen holds a Bachelor’s degree in International Relations from the Diplomatic Academy of Vietnam, and a Bachelor of Law from Hanoi Law University. He is a practising lawyer and member of the Hanoi Bar Association.

The Board of Directors established two committees in accordance with the law, including the Board Risk Committee and the Nomination Committee, with the function of advising the BOD on related issues.

Board Risk Committee (BRC)

Chairman of BRC

Mr Ho Hung Anh – Board Chairman

Member of BRC
  • Mr Nguyen Dang Quang – Board First Vice Chairman
  • Mr Nguyen Thieu Quang – Board Vice Chairman
  • Mr Nguyen Canh Son – Board Vice Chairman
  • Mr Do Tuan Anh – Board Vice Chairman
  • Mr Lee Boon Huat – Board Non-Executive Director
  • Mr Saurabh Narayan Agarwal – Board Non-Executive Director
  • Mr Nguyen Nhan Nghia – Board Independent Director

Nomination Committee (NORCO)

Chairman of NORCO

Mr Nguyen Nhan Nghia – Board Independent Director

Members of NORCO
  • Mr Ho Hung Anh – BOD Chairman
  • Mr Jens Lottner – CEO
  • Ms Nikki Dang My Quyen – Chief Human Resources Officer



Full-time members


Part-time member

Mr Hoang Huy Trung

Head of Supervisory Board and Full-time Member

Mr Hoang has had many years of experience in the banking industry and has held various management positions at the State Bank of Vietnam and Techcombank. He has been Head of the Supervisory Board and a full-time member of the Techcombank Supervisory Board since December 2012.


Mr Hoang graduated with a Master’s degree in Economics, specialising in banking, at the National Economics University and a Bachelor’s degree in Economics, majoring in Banking and Finance, from the Academy of Finance.

Ms Bui Thi Hong Mai

Full-time Member

Ms Bui has many years of experience in accounting and finance. From April 2010 to April 2019, she was a member of the Techcombank Supervisory Board. She has been a full- time member of the Techcombank Supervisory Board since 13 April 2019.


Ms Bui holds a Bachelor’s degree in Accounting and Finance.

Mr Mag Rec Soc Oec Romauch Hannes


Mr Hannes has many years of experience in banking and finance, and has held many important management positions in financial institutions and large corporations. He has been a member of the Techcombank Supervisory Board since April 2012.


Mr Hannes holds a Master’s degree in Business Administration, majoring in Finance, Banking and Marketing from Klagenfurt University, Republic of Austria.

Techcombank brings together an Executive team with outstanding competency and extensive experience to lead the execution of the Bank’s strategic objectives in transformation 2021-2025.

Dr Jens Lottner

Chief Executive Officer

Dr Lottner was appointed Chief Executive Officer of Techcombank on August 18, 2020. Before joining Techcombank,

Dr Lottner was Senior Executive Vice President at Siam Commercial Bank for 5 years. During his tenure, he held roles as Chief Strategy Officer, Chief Transformation Officer and Chief Data Officer, designing and orchestrating the bank’s digital transformation program towards more customer-centricity. His last role at Siam Commercial Bank was Chief Financial Officer. Dr Lottner began his career with McKinsey & Company in 1992 in Germany, where he was elected Partner in 2000. He moved to Malaysia in 2001 and to Singapore in 2005, where he was a Senior Partner leading McKinsey’s financial services practice in ASEAN until 2012. He simultaneously led its Asia Pacific Risk Management Practice and was a member of the Asia Pacific Management Committee. From 2012 to 2015, Dr Lottner was Senior Partner and Managing Director of the Boston Consulting Group in Singapore, heading its financial services practice across ASEAN.

Dr Lottner holds a Doctorate in Economics from the Dresden University of Technology, Germany, and attained a Diploma in Economics from the University of Bonn, Germany.

Mr Phung Quang Hung

Standing Deputy CEO-cum-Chief Business
Banking Officer (from 11 January 2022)

Mr Phung has many years of management experience and has worked at international banks. Previous positions include Head of IT and Operations at ABN AMRO Vietnam and Business Partner at the National Australia Bank, London. Mr Phung Quang Hung joined Techcombank in September 2010 as Head of the Operations and Technology Division before being appointed Head of the Customer Service and Financial Advisory Division (CSA), Managing Director and then Standing Deputy CEO.
Mr Phung has a Master’s degree in international business from Washington State University (USA) and a Bachelor’s degree in Information Technology from the Hanoi University of Science and Technology (Vietnam).

Mr Siva R.Krishnan

Deputy CEO-cum-Chief Risk Officer

Mr Krishnan has over 25 years of working experience covering global and regional banks and payments technology companies. He brings balanced cross functional experience encompassing business strategy, transformation, risk management, data science, and product development. Prior to joining Techcombank, he was the Executive Vice President (Retail and Business Banking Risk Management) and Bank Head of Credit Risk Analytics at Siam Commercial Bank (SCB), Thailand. Prior to SCB, Mr Krishnan was the Deputy Chief Executive and Executive Vice President (Retail and SME Risk Management and Business Infrastructure) of Scotia Bank. He was instrumental in the acquisition and integration of its affiliate Banks viz. Thanachart Bank, Siam City Bank Thailand. Mr Krishnan was appointed Deputy CEO on 10 January 2021.

Mr Krishnan holds a Master’s degree in Commerce from University of Madras, India; a Graduate membership of the Institute of Cost and Management Accountants, India; an Associate membership of the Indian Institute of Bankers; and a Diploma in Finance from Chartered Financial Analysts of India.

Mr Phan Thanh Son

Deputy CEO
Chief Global Transaction Services Officer

Mr Phan was appointed Deputy CEO and Head of Global Transaction Banking Division in August 2019. Prior to this, he was a Transformation Director of Transaction Banking and Head of the Treasury and Financial Markets Division from January 2011. He has more than 20 years of experience in local financial markets and played an important role in developing local fixed income markets. He was the Deputy Chief Executive Officer at TienPhong Bank. He has held various positions in the Global Markets Divisions at Standard Chartered Bank (Vietnam), Citibank (Vietnam), and Citigroup Global Markets Ltd. (Hong Kong).

He holds a Master’s degree in Economics from the National Economics University, Hanoi (Vietnam).

Mr Pham Quang Thang

Deputy CEO
Chief Corporate Affairs Officer

Mr Pham has more than 20 years of experience in banking, including several senior positions in Techcombank such as Chief Accountant, Head of Treasury and Transactions Management Center, Head of the Commercial Banking Division, Head of the Credit Approval Division and Head of Compliance and Legal Division. Currently, Mr Pham holds a position as Deputy CEO and Head of Corporate Affairs Division (from 2 April 2020).

He holds a Master’s degree in International Accounting from Swinburne University of Technology (Australia).

Ms Phan Thi Thanh Binh

Chief Wholesale Banking Officer

BMs Phan was appointed Head of Wholesale Banking from April 2018. Prior to this, she joined Techcombank as Transformation Director of Wholesale Banking in July 2017. She has more than 20 years of experience with ANZ in various positions including Head of Markets Vietnam, acting CEO of ANZ (Vietnam), Member of the Board of Directors at ANZ (Vietnam, Cambodia, and Laos) and Chairwoman of ANZ (Laos).

She holds a Master’s degree from University Libre de Bruxelle (Belgium).

Mr Darren Buckley

Chief Retail Banking Group Officer (from 08 August 2021)

Mr Buckley has almost 35 years of experience in global financial services - 29 years with Citi where he worked in senior leadership positions in New York, Singapore, Tokyo, Bangkok and Shanghai. Prior to joining Techcombank, Mr Buckley was the Country Business Manager for Citi China from 2017 till August 2021. He has transformed Citi China’s Retail business through a digitally enabled client- centric business model to be the fastest growing Wealth Management, Cards and Lending business in Citi’s global network, aided by landmark partnerships signed with Ant Financial, the three major Telcos and the NBA China.

Mr Buckley, a Business Finance and Economics graduate from the United Kingdom, is also an honorary Professor of two Chinese universities, the former Vice Chairman of the Thai Board of Trade, Chairman of the Association of International Banks Thailand, President of Amcham Thailand, Director of the Japanese International Bankers Association and Director of the Nippon Keizaidantai Rengoukai.

Mr Vishal Shah

Chief Business Banking Officer (until 10 January 2022)

Mr Shah was appointed Head of Business Banking in March 2018. He has more than 20 years of experience in leading companies with strong expertise in commercial banking, retail banking and financial advisory services. He has held key leadership positions at Standard Chartered Bank in Singapore, India, and the UAE. He has also held advisory roles at Ernst & Young and KPMG.

Mr Shah is a Qualified Chartered Accountant (ACA) and Cost and Works Accountancy (Grad CWA). He holds a Bachelor’s degree in Commerce from HR College of Commerce and Economics, Mumbai University (India).

Mr Nguyen Xuan Minh

Head of Investment Banking Division

Mr Nguyen was appointed Head of Investment Banking Division – Chairman of the Board of Directors of Techcom Securities Company Limited in October 2013. He has more than 20 years of experience in fund management and investment banking, including in previous positions such as CEO of Vietnam Asset Management Ltd. (VAM) and Senior Vice President of Franklin Templeton Investments under Mark Mobius in Singapore.

He holds a Master’s degree in Applied Finance and Investment from Securities Institute of Australia (FINSIA), and an M.S. in Science, Oil and Gas – Mechanical Engineering from Gubkin Russian State University of Oil and Gas (Russia). He is a CFA Charterholder.

Mr Trinh Bang

Chief Financial Officer (until 10 January 2022) Chief Strategy Officer (until 10 January 2022)

Mr Trinh was appointed Chief Financial Officer in January 2018 and double hatted Chief Strategy Officer from 02/2021. He has more than 23 years of global banking and finance experience – including 18 years with Morgan Stanley in New York, Singapore, and most recently as Senior Advisor and Managing Director/Country Head for Vietnam and the Philippines.

He holds a Bachelor’s degree in Systems Engineering from the University of Virginia (USA).

Ms Nikki Dang My Quyen

Chief Human Resources Officer

Ms Dang is a senior professional with 29 years of international experience in the field of banking and finance, real estate and human resources management. She has held many senior positions including Operations Manager at Bank of America; Director of Human Resources at National Credit Exchange; Resolution & Receivership Specialist at Federal Deposit Insurance Corporation (FDIC); and Senior Vice President- cum-Director of Human Resources at Bank of California. Most recently, Nikki was an EVP-cum-Chief HR Officer at Hanmi Bank, US.

Ms Dang graduated with a Bachelor of Business Administration from California State University, Fullerton, USA.

Ms. Thai Minh Diem Tu

Chief Marketing Officer

Ms Thai has more than 20 years of experience in consumer marketing and general business management across various disciplines and leading multinational FMCG companies in Vietnam. Before joining Techcombank, she had 10 years with FrieslandCampina, where she became Vietnam Director, Specialised Nutrition and Global Specialised Nutrition Business Group Management team. Before this, Ms Thai was with Unilever for eight years. Her last assignment was Business Unit Director for Unilever Vietnam across categories.

Ms Thai has an MBA from the University of California Irvine (UCI), and a Business Management graduate degree in HCMC from the University of Foreign Languages and Information Technology.

Mr Chu Hong Ngoc

Chief Operations Officer

Mr Chu has had many years of experience in the banking industry and in project management. He has lead, managed and ensured that the Bank has appropriate operational control, administrative procedures and reporting to effectively develop the organisation and ensure service quality and operational efficiency. He has held many positions such as Technical Supervisor Engineer at Oconnor’s Singapore Representative Office, Project Director-cum-Technical Director at Millicom Company, and Project Manager at VP Bank, Board of Directors Office. Prior to joining Techcombank, he was COO at VP Bank.

Mr Chu graduated with a Bachelor of Telecommunication Engineering (Hons) distinction from University of South Australia.

Mr Nguyen Anh Tuan

Chief Information Officer

Mr Nguyen has over 24 years of experience in Technology and Management. He held senior management positions at Citibank N.A. Prior to Citibank N.A, he was the Chief Information Officer of the Claims Division at Travelers Insurance, and Chief Technology Officer at Finastra, Las Vegas Sands, Wolters Kluwer, and General Electric.

Mr Nguyen holds Master’s degrees in Business Administration and Computer Science, as well as a Bachelor of Science in Computer Science, all from Virginia Commonwealth University. He has furthered his study with an Advanced Master’s Certificate at the George Washington University, USA. He is also a Certified Project Management Professional (PMP) from PMI.

Mr Santhosh Mahendiran

Chief Transformation Officer

Mr Mahendiran joins Techcombank with leadership experience in the areas of data technology, governance, analytics and monetisation. Before joining Techcombank, Mr Santhosh was with Standard Chartered Bank, Singapore, as Managing Director and Global Head, Digital Foundation Technology. Previously, he held various senior leadership roles at Citibank, Singapore. He was the Vice Chairman responsible for the development team that pioneered the world’s first touch screen, paperless on-boarding systems at Citibank, Japan.

Mr Mahendiran holds double Master’s degrees in Computer Applications from Madurai Kamaraj University, India, and in Software Engineering from the National University of Singapore.

Mr Alexandre Macaire

Chief Financial Officer (from 11/01/2022)

Mr Macaire joins Techcombank from HSBC, where he worked for 15 years in senior leadership roles across Investment Banking, Capital Management and Finance. Most recently, he was Chief Financial Officer for Wealth and Personal Banking Asia Pacific, which is one of HSBC’s top-priority business divisions. In this role, he helped scale up manufacturing and distribution capabilities across the region and expand into new products and channels, contributing to HSBC’s #1 Wealth Manager ambition in Asia Pacific.

Mr Macaire holds a degree in Actuarial Finance from France’s National School of Statistics and Economic Administration. He also gained degrees in Mathematics, Physics and Political Affairs from Ecole Polytechnique and Institute of Political Studies.

Mr Kyle Timothy Justin

Chief Transformation Officer

Mr Justin is a senior transformation leader with 18 years of transformation leadership experience at leading financial services organisations, focused on the Asian market. Prior to joining Techcombank, he was the Regional Director – Customer Journey and Operations at Prudential Corporation Asia. Prior to Prudential Corporation Asia, Mr Justin held several senior positions including Executive Director, Head Operational Excellence and Business Analytics Decision Support at DBS Bank, as well as Director, Reengineering, Group Consumer Banking at Standard Chartered Bank.

Mr Justin holds a Master’s degree of Science, Lean Operations, with Distinction from Cardiff University Business School, UK. He has completed courses in Artificial Intelligence, Digital Transformation and Innovation from prestigious institutions such as MIT Sloan and INSEAD.

Mr Pranav Seth

Chief Digital Officer

Mr Seth was appointed to the position of Chief Digital Officer on 13 January 2021. He has over 18 years of experience as a transformational leader and corporate entrepreneur with a proven track record of building businesses and championing and executing large scale business and organisational transformations. Recently, Mr Seth worked for OCBC Bank, Singapore as Senior Vice President and Head of Digital and Innovation. In this role, he was responsible for OCBC’s challenger bank, ‘FRANK by OCBC’, led OCBC group’s innovation arm, ‘The Open Vault’ driving fintech and ecosystem partnerships and led the Digital Business and Transformation units for OCBC’s consumer bank. He had a critical role in the consumer bank’s leadership team and was an anchor member of the OCBC group’s Digital Transformation Council. Prior to OCBC Bank, he was an Engagement Manager at McKinsey and Company where he helped banks and financial services firms build strategies and large scale transformation.

Mr Seth holds a Master of Business Administration from UCLA Anderson School of Management (Los Angeles), an engineering degree from Delhi University and has completed an Executive Program in Strategy and Organisation from Stanford University Graduate School of Business (US).

Corporate Governance Model

Techcombank’s 2023 targeted Corporate Governance Model

Recently Techcombank has been implementing the necessary initiatives to transform the Corporate Governance Model above into practical actions in the Bank’s governance operations.

  • Committee under BOD in compliance with regulatory requirements
  • Committee under BOD