According to the announcement, Techcombank 's pre-tax profit for the first 9 months reached 23.4 trillion VND and the third quarter reached 8.3 trillion VND, up 14.4% over the same period, the highest quarterly profit ever of the bank.
Highest quarterly profit in history
In the third quarter of 2025, Techcombank recorded pre-tax profit of nearly VND8.3 trillion, up 14.4% year-on-year, marking the highest quarterly profit ever. In the first 9 months, the Bank achieved VND23.4 trillion in pre-tax profit, up 2.4% year-on-year.
Total operating income (TOI) reached VND38.6 trillion, up 3.1% year-on-year, of which Q3 alone increased by 21.2% thanks to strong growth in interest income, service fees and foreign exchange trading.
According to Techcombank CEO, Mr. Jens Lottner , this positive result was driven by strong credit demand, along with the 'customer-centric' strategy and the growth momentum of the Vietnamese economy .
“ The initial public offering (IPO) of Techcombank Securities Corporation (HOSE: TCX) with oversubscription is a historic milestone for Techcombank and the Vietnamese capital market. This demonstrates investors’ strong confidence in the Bank’s financial ecosystem and its ability to unlock new growth opportunities, while promoting the development of the capital market.
Techcombank's ecosystem continued to be strengthened with the official launch of Techcom Life in September, paving the way for the launch of new life insurance products to meet customers' protection needs.
The success of the transformation strategy and the leading financial ecosystem position in Vietnam has been recognized by The Asian Banker magazine, honoring Techcombank as the Best Managed Bank in Vietnam for the period 2022 - 2025 ,” CEO Jens Lottner emphasized.
Strong credit growth and asset quality in the leading group
Techcombank's total assets as of September 30, 2025 reached VND 1.13 million billion. Regarding the Bank alone, credit growth has been stable at 16.8% compared to the beginning of the year. On a consolidated basis, strong credit demand comes from both individual and corporate customers.
Of which, personal credit increased by 20.2% from the beginning of the year and increased by 29.3% compared to the same period last year, especially margin lending increased by 61% in line with the development of the Vietnamese stock market and home loans increased by 14.4%. Unsecured loans recorded outstanding growth of 180% compared to the beginning of the year and increased by 450% compared to the same period last year, as the Bank aimed at products with higher yields.
Corporate credit increased by 16.2% compared to the beginning of the year and 17.2% compared to the same period last year, reaching VND463 trillion, the main driving force coming from the strategy of diversifying the credit portfolio across many sectors such as Utilities and Telecommunications, FMCG, Retail, and Logistics.
With strong credit growth momentum, net interest income in the first 9 months of the year reached VND27.4 trillion (up 1.7% year-on-year). Net interest margin (NIM) by quarter was stable at 3.8% thanks to improved funding costs.
In addition to core revenue from credit, the Bank's service income in the first 9 months of the year reached VND 8.4 trillion (up 1.3% over the same period), bringing the ratio of Fee Income/Total Operating Income to the highest in the system, with many segments recording positive results, especially fees from investment banking (IB) services increasing by 32.8% over the same period and insurance premiums increasing by 34.8%.
Operating expenses increased by 9.2% to VND11.6 trillion, but the cost/income ratio (CIR) was maintained at 30.1%.
Provision expenses decreased by 9.1% yoy to VND3.6 trillion, reflecting a significant improvement in the asset quality of home loans and credit cards, helping the non-performing loan (NPL) ratio decrease from 1.32% to 1.23% by the end of Q3/2025. Of which, the pre-CIC NPL ratio decreased to 0.96%, compared to 1.05% at the end of Q2/2025. Including bonds and loans, the NPL ratio decreased to 1.18% compared to 1.23% at the end of the previous quarter. The NPL coverage ratio (LLC) reached 119.1%,
CASA and leading capital platforms
Closing the first 9 months of the year, Techcombank is proud to have served about 17 million customers, an increase of nearly 1.7 million new customers since the beginning of the year. Of which, 62.4% of individual customers were attracted through digital platforms, 30.1% from the branch network and 7.5% from partners in the ecosystem.
The number of individual customer transactions via electronic banking channels in the third quarter of 2025 reached 1.1 billion transactions, up 24.9% over the same period last year, corresponding to a total transaction value of VND 2.9 million billion, up 7.9% over the same period. In the first 9 months of the year, the total number of transactions reached 2.9 billion, up 26.9% over the same period last year, bringing the total transaction value to VND 8.9 million billion, up 9.0% over the same period.
With this result, Techcombank continues to maintain its position as the No. 1 bank in terms of market share in outgoing transactions (17.3%) and receiving transactions (15.8%) in the first 9 months of 2025.
By the end of the third quarter of 2025, total customer deposits increased by 24.1% over the same period and increased by 13.1% compared to the beginning of the year, reaching VND 638.5 trillion.
Notably, Techcombank's current account balance (CASA) ratio reached 42.5%, continuing to lead the industry, with a record balance of VND272 trillion, up 12.1% over the previous quarter.
CASA balances of retail customers including Auto Profit balances increased by 29.5% YoY, while CASA from corporate customers also increased by 46%. This result was driven by outstanding customer values such as Techcombank Auto Profit 2.0, solutions for business households and comprehensive payment services.
Thanks to a strong capital position, the loan-to-deposit ratio (LDR) stood at 81.2% as of September 30, 2025. The ratio of short-term funds used for medium- and long-term lending decreased to 24.1% compared to 26.4% at the end of the previous quarter.
Basel II capital adequacy ratio (CAR) improved to 15.8% thanks to additional capital from the IPO of subsidiary Techcombank Securities Corporation (TCX), reflecting Techcombank's solid capital base and asset quality.
Techcombank will pay 2024 cash dividends at a rate of 10% of par value, equivalent to more than VND 7,000 billion, with expected payment date October 22, 2025.
Previously, S&P Global Ratings upgraded Techcombank's credit rating to "BB", recognizing the leading position of Vietnam's largest private bank and highly appreciating its capital capacity and outstanding profitability.
Source: https://daibieunhandan.vn/techcombank-ngoi-vuong-casa-vung-chac-bao-lai-quy-3-cao-nhat-lich-su-10392348.html
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