Techcombank 2Q26 Earnings Call

6M26 Techcombank Results: Record quarterly earnings underpinned by diversified income growth

“Techcombank delivered strong performance in 6M26, with PBT increasing 22.5% YoY to VND 18.5 trillion. TOI rose 17.5% to VND 28.6 trillion supported by robust growth in both net interest income and fee income. These results reflect the sustained  momentum of our core banking business, the diversification of our income streams,  and our disciplined approach to execution and cost management.

Fee income continues to be a key growth driver, underpinned by our strength in  transaction banking and cards, the rapid scaling of insurance businesses, and the successful development of new fee-generating products. At the same time, we continue to sharpen our focus on AI and data as strategic enablers, which are already delivering productivity gains as we scale use cases across the organization.

We have built a strong and highly scalable platform that positions Techcombank at the center of an integrated, data-driven financial ecosystem. Being named the ‘Best Domestic Bank in Vietnam’ by Finance Asia for the fourth consecutive year is strong external recognition of what we have achieved. Now, as we enter the next chapter of our journey, we do so from a position of strength, ready to play a leading role in shaping Vietnam’s financial industry 

- Jens Lottner – Techcombank CEO