Maintain positive growth and profit momentum, close to 2025 targets
TPBank said the bank continues to consolidate its position as one of the banks with the leading sustainable growth rate, with total assets reaching nearly VND 428,600 billion by mid-2025, completing 95% of the annual plan and increasing by more than 18% over the same period last year .
Along with that, the announced credit balance reached nearly 293,500 billion VND, equivalent to 93% of the annual plan , up more than 31% over the same period. Of which, customer loans reached over 285,500 billion VND, up nearly 14% compared to the end of 2024. Credit growth was at 11.7% , focusing on strategic areas such as retail, real estate and consumer finance.
TPBank continues to consolidate its position as one of the banks with the leading sustainable growth rate (Photo: TPBank).
TPBank also said it is maintaining effective capital and liquidity management with a loan-to-deposit ratio (LDR) of 77%. The capital adequacy ratio (CAR) is maintained at over 12% , exceeding the State Bank's regulations. At the same time, the bad debt ratio continues to be tightly controlled, maintained at a level significantly lower than the permitted limit, contributing to maintaining stability and minimizing risks in credit activities.
Along with a flexible, prudent development strategy and resource optimization, TPBank's pre-tax profit in the first 6 months of the year reached more than VND4,100 billion , up 12% over the same period last year. "This demonstrates effective operational capacity and positive prospects for the remaining quarters of the year," said a bank representative.
TPBank is proactively striving to expand its capital mobilization platform and develop a digital financial ecosystem (Photo: TPBank).
Expanded digital ecosystem, solid foundation, diverse revenue sources
Continuing the growth momentum in credit activities, TPBank has proactively strived to expand its capital mobilization platform and develop a digital financial ecosystem. In the first 6 months of the year, the bank's total mobilization was announced to reach nearly VND 377,500 billion, a sharp increase of 19% over the same period last year, helping TPBank consolidate liquidity and support sustainable credit growth.
The ratio of non-term deposits (CASA) increased to nearly 23%, showing the effectiveness of the digital banking development strategy.
Total operating income in the first half of 2025 reached more than VND9,100 billion , of which service revenue accounted for 21%, equivalent to about VND1,900 billion, an impressive growth of more than 14% over the same period. "This is a clear demonstration of the right strategic direction, helping TPBank improve operational efficiency and increase resilience to macroeconomic fluctuations," TPBank shared.
Stocks continue to attract investors
Currently, TPBank's P/B ratio is only 0.9 times , lower than the average of listed private banks, reflecting an attractive valuation. Since the beginning of July, TPB shares have increased by 11%, closing on July 17 at VND14,900/share. And compared to the bottom on April 9, TPB shares have increased by more than 35%.
This code has also been net bought by foreign investors for 8 consecutive sessions. Since the beginning of July, foreign investors have net bought more than 28 million TPB shares, equivalent to more than 400 billion VND , making it one of the banking codes that foreign investors have collected the most in the context of the Vietnamese stock market recovering and investor sentiment improving significantly.
TPBank makes its mark with dividend policy (Photo: TPBank).
In addition to attracting investment, TPBank also made its mark with a dividend policy that pleased shareholders. In the second quarter, the bank paid a 10% cash dividend and approved a plan to issue more than 132 million shares to pay a 5% dividend , raising its expected charter capital to more than VND27,740 billion. All capital sources were drawn from undistributed profits .
In their recently published analysis reports, two securities companies, HSC and MBS Research, both maintained positive assessments of TPB shares. MBS set a target price of VND18,200 per share, saying that this is a good time to accumulate TPB shares.
Source: https://dantri.com.vn/kinh-doanh/tpbank-cong-bo-loi-nhuan-6-thang-vuot-4100-ty-dong-20250719111821160.htm
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