Techcombank aims to become the largest private bank by capital.

In 2026, Techcombank plans to increase its capital, distribute dividends at a total rate of 67%, and aims to become the private bank with the largest charter capital in Vietnam.

In a meeting with shareholders, Techcombank's leadership stated that the bank aims to become the private bank with the largest charter capital in Vietnam by 2026. - Photo: TCB

On April 25th, Vietnam Technological and Commercial Bank (Techcombank - TCB) held its 2026 annual general shareholders' meeting.

The General Meeting approved a series of major plans regarding capital increase, dividend distribution, and a new phase of development strategy. Notably, the bank aims to become the private bank with the largest charter capital in Vietnam, while also expanding its operations into international markets.

Record profits, first quarter continues to grow strongly.

In 2025, Techcombank recorded a record consolidated pre-tax profit of VND 32,538 billion, an increase of 18.16% compared to 2024 and exceeding the set plan.

In addition, total operating income reached 53.4 trillion VND. Total assets exceeded 1.19 million trillion VND, a growth of 21.82%.

Asset quality continued to improve as the non-performing loan ratio fell to 1.13%, among the lowest in the market. Meanwhile, the loan loss coverage ratio increased to 127.9% and the capital adequacy ratio remained at 14.6%.

The growth momentum continued into the first quarter of 2026, with pre-tax profit reaching VND 8,900 billion, the highest ever for a first quarter.

In particular, revenue from service activities increased by 47%, reaching VND 3,600 billion. The life insurance segment grew by 103.4% in just three months after full implementation.

According to Techcombank, this result stems from its customer-centric strategy. The bank currently has 18 million customers, with an additional 2.7 million new customers expected to join its ecosystem in 2025 alone.

This attractiveness helps the bank maintain its leading position in many key indicators, including a current account deposit (CASA) ratio of 40.4%, among the highest in the market.

In the asset management sector, Techcombank continues to assert its position with assets under management for the high-end customer segment reaching VND 645 trillion, an 86% increase.

The bank also holds a 27% market share in nationwide Visa card payments, 16% in digital transactions via NAPAS, and 38% in corporate bond issuance.

Techcombank's operational capabilities have helped it continue to receive recognition from numerous international organizations, including "Best Bank in Vietnam" awards from Euromoney, FinanceAsia, and Global Finance.

At the same time, the bank's financial profile has also received positive assessments from international credit rating agencies such as S&P, Moody's, and Fitch Ratings.

Raising significant capital, boosting AI, and expanding the ecosystem.

At the general meeting, shareholders approved the plan to pay cash dividends and increase capital through shares, with a total ratio of 67%.

If completed, Techcombank will become the private bank with the largest charter capital in Vietnam, creating additional financial resources to continue investing in its core business segments.

In light of global supply chain and geopolitical fluctuations, Techcombank has developed two flexible business scenarios for 2026 based on a 12% credit limit. Accordingly, the target pre-tax profit ranges from VND 35,000 billion to VND 37,500 billion.

The bank also aims to optimize its balance sheet, tightly control bad debts, and thereby ensure safe and sustainable growth.

Techcombank's leadership stated that its focus for 2026 is to become the first bank to comprehensively apply AI in its operations. This technology is expected to help personalize customer experiences, improve productivity, and maintain 24/7 service.

In addition, Techcombank continues to expand its ecosystem beyond traditional banking, encompassing capital markets, asset management, and next-generation payment platforms to facilitate cross-border transactions.

Another key focus is strengthening connections with strategic partners in the real estate, consumer goods, and healthcare sectors. According to the bank, this direction aims to expand its presence in customers' lives and increase service revenue.

Techcombank also stated that it will continue to pursue sustainable development goals (ESG), develop its digital asset platform, and participate more deeply in the process of building an international financial center in Vietnam.

LE THANH

Source: https://tuoitre.vn/techcombank-muan-thanh-ngan-hang-tu-nhan-von-lon-nhat-20260425152058412.htm