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

By the end of the third quarter of 2025, TPBank 's total assets reached nearly VND451,930 billion, exceeding the annual plan. Outstanding credit growth was impressive, reaching about VND303,400 billion (equivalent to 97% of the annual plan), up more than 22% over the same period. Of which, outstanding customer loans reached nearly VND296,700 billion, up more than 18% compared to the end of 2024, mainly thanks to boosting personal loans and the manufacturing industry.

Along with credit growth, the bank's total capital mobilization reached about VND404,370 billion by the end of September, an increase of approximately 18% over the same period last year. This abundant mobilized capital creates a solid liquidity foundation, supporting TPBank to expand credit activities sustainably.

TPBank's total assets in the first 9 months of 2025 exceeded 450,000 billion VND, exceeding the whole year plan

In addition to strong growth, TPBank maintains positive safety indicators. TPBank's equity capital is currently VND 51,463 billion, with a capital adequacy ratio (CAR) of 14.29%, much higher than the minimum level of 8% prescribed by the State Bank, showing that the bank has a solid capital buffer against risks. The bad debt ratio is controlled below 2%, reflecting guaranteed credit quality. In particular, TPBank is a bank that complies early with the regulations in Circular 14/2025 on capital adequacy according to Basel III standards, according to the standard method (SA), and continues to apply the advanced method (IRB) according to the prescribed roadmap. This is a step forward in improving risk management capacity, 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 by Vietnam Report in the Top 10 prestigious private commercial banks in 2025.

Improved operational efficiency, accelerated intelligence

Along with the growth in scale, in the first 9 months of 2025, TPBank recorded pre-tax profit of VND 6,050 billion, an increase of about 11% over the same period in 2024. Despite many fluctuations in the market, the bank still maintained double-digit growth - among the banks with outstanding business results - clearly reflecting effective operational capacity and correct development orientation.

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

The income structure continued to shift positively, with total operating income reaching more than VND 13,600 billion, of which service income accounted for about 21% (nearly VND 3,000 billion), a strong growth of over 19% over the same period. The increase in the proportion of non-credit income shows that TPBank is on the right track when focusing on developing the digital banking ecosystem and diversifying revenue sources. The bank continuously invests in digital solutions such as TPBank App, LiveBank 24/7, TPBank Biz, etc. to improve customer experience and optimize operational efficiency. Thanks to these efforts, TPBank was honored at the Vietnam Digital Transformation Awards for the second consecutive year, affirming its pioneering role in the digital transformation process of the banking industry.

Notably, the sponsorship campaign for the reality show and two concert nights “Em xinh say hi” has brought about outstanding media effects, becoming a strong boost for TPBank’s digital banking activities. Nearly 1 billion brand advertising views were recorded, making the message “TPBank App - Top utilities. Top life” become close and familiar, especially in the young user community.

During the broadcast, the number of TPBank app downloads increased by about 200%, surpassing 120,000 on some days; the number of new credit cards opened on the App increased 3 times. At the same time, TPBank led the industry in positive sentiment index on social networks in July and August, with a sharp increase in brand discussions. The success of the campaign not only helped increase brand awareness but also contributed to significantly boosting the bank's business performance.

The success of the reality show sponsorship campaign and two concert nights "Em xinh say hi" helped TPBank increase brand awareness, contributing to significantly boosting business efficiency.

Strengthening potential, expanding operations

TPBank continues to consolidate its solid financial foundation by increasing its charter capital by more than VND 1,320 billion in October 2025, bringing its total capital to over VND 27,740 billion. This is the third consecutive year that the bank has distributed dividends in both cash and shares, ensuring shareholder benefits while increasing internal strength for the next stage of development. Implementing the strategy of expanding the financial ecosystem, TPBank has submitted a plan to increase its ownership in Tien Phong Securities Company (TPS) to 51%, with the goal of making TPS a member of the ecosystem. This step marks the determination to realize the vision of becoming a multi-functional financial group, providing a comprehensive package of financial services to customers.

TPBank continues to be in the Top 20 largest tax-paying banks in Vietnam in 2024, with more than VND 2,314 billion contributed to the budget in 2024 - ranking 9th in the private banking group. 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 performance and social responsibility.

Le Thanh

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