Annual Report 2025 | Techcombank

Who we are

Techcombank is one of the largest joint stock banks in Vietnam, and a leading financial institution in Asia, guided by a vision to “Change banking, Change lives”. As we concluded our 2021-2025 transformation strategy, Techcombank has evolved from a leading private bank into the core of an integrated financial ecosystem, built on strong digital foundations and driven by a customer-centric strategy. We now serve more than 18.0 million retail and corporate customers, delivering comprehensive solutions across banking, payments, wealth management, capital markets and protection.

OUR VISION AND MISSION OUR HISTORY AND KEY MILESTONES

2025 Business Highlights

Total Operating Income

53.4

Trillion VND

2018–2025 TOI CAGR: 16.5%

Profit Before Tax

32.5

Trillion VND

2018–2025 PBT CAGR: 17.3%

Profit After Tax

26.0

Trillion VND

2018–2025 PAT CAGR: 17.3%

ROA

2.4%

Industry-leading
2018–2025
average: ~3.0%

Net fee income market share

16.0%

#1 in the industry
Net fee income includes FX
sales and bond distribution fee

Capital adequacy ratio

14.6%

Industry leading

Total Assets as of 31 Dec 2025

1,192

Trillion VND

+21.8% YoY

CASA ratio

40.4%

#1 in the industry

Non-performing loan (NPL) ratio

1.13%

Industry-leading asset quality

As of 31 Dec 2025

18.0

Million customers

New customers acquired in the year: 2.7 million

Retail transactions

86%

Conducted digitally

Transaction volume via NAPAS

TOP 1

Awards and recognitions in 2025

The first and only bank to achieve this award from 3 prestigious organizations:
Global Finance, FinanceAsia and Euromoney for the second consecutive year