Sustainable growth amid challenges
In the context of the global economy still facing many uncertainties, TPBank maintained its performance with impressive business results in the first 9 months of 2025. The bank's total assets exceeded VND 450,000 billion - completing the annual plan after only three quarters. Outstanding credit grew impressively by more than 22% over the same period, demonstrating the ability to expand business steadily. Along with that, TPBank recorded pre-tax profit of VND 6,050 billion, up 11% over the same period last year.
Not only achieving high results in terms of scale and profit, TPBank's income structure has also shifted towards a healthier and more sustainable direction. Income from services accounts for 21% of total operating income - a significant growth of more than 19% over the same period, affirming the right direction in diversifying non-credit income sources.
Leading international risk management standards, creating a solid foundation
Accompanying effective growth is a solid risk management foundation. TPBank currently maintains a capital adequacy ratio (CAR) of 14.29% - nearly twice as high as the minimum requirement of the State Bank of Vietnam (8%), showing that the bank possesses a solid "capital buffer" to cope with market fluctuations. The bad debt ratio is controlled below 2%, among the lowest in the industry, affirming stable credit quality and effective risk monitoring capabilities.
In particular, TPBank is the pioneer bank in Vietnam to comply early with the capital adequacy regulations under Circular 14/2025, apply Basel III standards according to the standard method (SA), and is implementing the roadmap towards the advanced method (IRB). This not only demonstrates advanced operational capacity but also demonstrates TPBank's commitment to pursuing international standards, aiming to become the first bank in Vietnam to fully comply with Basel III by 2027.
TPBank makes its mark in the youth community
Throughout its development journey, TPBank has always focused on innovation and technology application to enhance user experience. From TPBank Mobile application, LiveBank 24/7 to TPBank Biz platform for businesses, TPBank's digital ecosystem has been continuously expanded and optimized. TPBank is honored to receive the Vietnam Digital Transformation Award (VDA) for two consecutive years, affirming its leading position in the journey to modernize the banking industry.
In particular, the communication campaign "Em Xinh Say Hi" has created a strong push in spreading the digital banking brand to the community, especially the youth. In just a short time of broadcasting the reality music show "Em Xinh Say Hi", the number of TPBank App downloads increased by more than 200%, with some days exceeding 120,000. The number of new credit cards opened through the app increased 3 times. Nearly 1 billion brand advertising views were recorded, bringing the message "TPBank App - Top utilities, Top life" closer to users.
Affirming the position of the leading Strong Bank in Vietnam
In addition to optimizing business efficiency, TPBank is constantly strengthening its internal strength for the long-term development period. In October 2025, the bank continued to increase its charter capital by VND 1,320 billion, bringing its total capital to more than VND 27,740 billion. At the same time, TPBank also increased its ownership ratio at Tien Phong Securities Company (TPS) to 51%, realizing its strategy of expanding its multi-functional financial ecosystem. TPBank's commitment to sustainable development is also demonstrated by the fact that the bank has been in the Top 20 largest tax-paying banks in Vietnam for many consecutive years.
In 2024 alone, TPBank contributed more than VND 2,314 billion to the State budget - ranked 9th in the private banking group, clearly demonstrating consistent performance and social responsibility through each stage of development.
Being honored by TAB as “Vietnam’s Leading Strong Bank in 2025” is not only a milestone recognizing outstanding internal capacity but also affirming the trust of the market and customers in TPBank. In the ranking of 1,000 strong global banks announced by TAB Global, TPBank is a typical representative from Vietnam, standing side by side with the world’s leading financial institutions.
TAB representative commented that the title of “Vietnam’s Strongest Bank” in 2025 for TPBank reflects the bank’s outstanding financial results, driven by digital innovation initiatives, customer-centric solutions, and strategic partnerships that bring both financial resources and operational capabilities. Balance sheet growth, profitability, and solid capital and liquidity capacity are the foundations that help TPBank be honored.
For TPBank, this is a valuable recognition for its efforts in innovation and continuous development. “We are proud that TPBank has become the leading Strong Bank in Vietnam. This title is not only a testament to its financial capacity, but also a driving force for TPBank to remain steadfast in its long-term vision: Building a leading digital bank, developing sustainably and bringing real value to customers, shareholders and the community,” said General Director Nguyen Hung.
Le Thanh
Source: https://vietnamnet.vn/tpbank-ngan-hang-vung-manh-hang-dau-viet-nam-2025-2465040.html
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