9 months, TPBank maintains double-digit growth

At the end of the first 9 months of 2025, TPBank recorded many positive signals with credit growth of over 22%, total assets exceeding the yearly plan and income structure continuing to shift towards sustainability.

Sustainable growth in asset and credit size

As of the end of Q3/2025, TPBank 's total assets reached nearly VND 451,930 billion, exceeding the full-year plan. Loan outstanding balances showed impressive growth, reaching approximately VND 303,400 billion (equivalent to 97% of the annual plan), an increase of over 22% compared to the same period last year. Of this, outstanding loans to customers reached nearly VND 296,700 billion, an increase of over 18% compared to the end of 2024, mainly due to increased lending to individuals and the manufacturing industry.

Alongside credit growth, the bank's total deposits reached approximately VND 404,370 billion by the end of September, an increase of nearly 18% compared to the same period last year. This abundant source of mobilized capital creates a solid liquidity foundation, supporting TPBank's sustainable expansion of credit activities.

TPBank's total assets in the first nine months of 2025 exceeded VND 450,000 billion, surpassing the full-year plan.

Besides strong growth, TPBank maintains positive safety indicators. TPBank's equity currently stands at VND 51,463 billion, with a capital adequacy ratio (CAR) of 14.29%, significantly higher than the minimum 8% required by the State Bank of Vietnam, demonstrating a solid capital buffer against risks. The non-performing loan ratio is controlled below 2%, reflecting assured credit quality. Notably, TPBank was an early complyer with Circular 14/2025 on capital adequacy according to Basel III standards, using the Standard Approach (SA), and is continuing to implement the Advanced Approach (IRB) according to the prescribed roadmap. This is a step forward in enhancing risk management capabilities, aiming to become the first bank in Vietnam to fully comply with Circular 14/2025 by 2027.

Thanks to its strong financial foundation and prudent growth strategy, TPBank continues to be ranked among the Top 10 most reputable private commercial banks in 2025 by Vietnam Report.

Improved operational efficiency, accelerated intelligence

Alongside its growth in scale, in the first nine months of 2025, TPBank recorded pre-tax profit of VND 6,050 billion, an increase of approximately 11% compared to the same period in 2024. Despite market fluctuations, the bank maintained double-digit growth – placing it among the banks with outstanding business results – clearly reflecting its efficient operational capacity and sound development orientation.

TPBank continuously invests in digital solutions such as the TPBank App, LiveBank 24/7, TPBank Biz, etc., to enhance customer experience and optimize operational efficiency.

The revenue structure continues to shift positively, with total operating income reaching over VND 13,600 billion, of which income from services accounts for approximately 21% (nearly VND 3,000 billion), a strong growth of over 19% compared to the same period last year. The increase in the proportion of non-credit income shows that TPBank is on the right track by focusing on developing a digital banking ecosystem and diversifying revenue sources. The bank continuously invests in digital solutions such as the TPBank App, LiveBank 24/7, TPBank Biz, etc., to enhance customer experience and optimize operational efficiency. Thanks to these efforts, TPBank has been honored at the Vietnam Digital Transformation Award for the second consecutive year, affirming its pioneering role in the digital transformation of the banking industry.

Notably, the sponsorship campaign for the reality show and the two nights of the "Em xinh say hi" concerts generated outstanding media attention, becoming a strong boost for TPBank's digital banking activities. Nearly 1 billion brand advertising views were recorded, making the message "TPBank App - Top-notch convenience. Top-notch living" more relatable and familiar, especially among young users.

During the broadcast, TPBank's app downloads increased by approximately 200%, exceeding 120,000 downloads on some days; the number of new credit cards opened through the app tripled. Simultaneously, TPBank led the industry in positive social media sentiment during July and August, with a significant increase in brand discussions. The success of the campaign not only increased brand awareness but also contributed significantly to the bank's business performance.

The success of the sponsorship campaign for the reality show and the two "Em xinh say hi" concerts helped TPBank increase brand awareness, significantly contributing to improved business performance.

Strengthening potential, expanding operations

TPBank continues to strengthen its solid financial foundation by increasing its charter capital by more than VND 1,320 billion in October 2025, raising the total capital to over VND 27,740 billion. This is the third consecutive year the bank has distributed dividends combining both cash and shares, ensuring shareholder benefits while strengthening its internal capacity for the next development phase. Implementing its strategy to expand its financial ecosystem, TPBank has submitted a plan to increase its ownership in Tien Phong Securities Company (TPS) to 51%, aiming to make TPS a member of its ecosystem. This step marks the bank's determination to realize its vision of becoming a multi-functional financial group, providing a comprehensive range of financial services to customers.

TPBank continues to be among the Top 20 largest tax-paying banks in Vietnam in 2024, contributing over VND 2,314 billion to the state budget that year – ranking 9th among private banks. These steps not only expand TPBank's growth potential in the medium and long term but also demonstrate its commitment to sustainable development, closely linking business efficiency with social responsibility.

Le Thanh

Source: https://vietnamnet.vn/9-thang-tpbank-duy-tri-tang-truong-hai-chu-so-2456219.html