In 2025, Techcombank reported a pre-tax profit of 32.5 trillion VND, an 18.2% increase from the previous year, surpassing its target and setting a record for the third consecutive quarter with Q4 profit reaching 9.2 trillion VND. Total operating income reached 53.4 trillion VND, driven by net interest income of 38.2 trillion and service income of 11.5 trillion. Notably, the insurance sector recorded a significant growth with premium income increasing by 91.8% to 1.2 trillion. Operating expenses increased by only 6.9%, maintaining high cost management efficiency. Investment in IT was strong to support growth. As of year-end, total assets exceeded 1.19 quadrillion VND, with credit growth nearing 18.4%, driven by robust customer demand. Techcombank now serves 18 million customers and maintains a healthy non-performing loan ratio of 1.13%. The bank has received credit rating upgrades from S&P and Fitch. The management affirmed the bank’s expansion capability and business strength.
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