According to its Q4/2025 financial report, Vietnam Technological and Commercial Joint Stock Bank (Techcombank) recorded total revenue of nearly 14,800 billion dong, 55% higher than the same period in 2024. Net interest income, the bank's core activity, accounted for 73% of this revenue, reaching 10,787 billion dong, up 25%.

Total operating expenses increased less than revenue, by only 1,7%. Consequently, the bank's pre-tax profit reached 9,153 billion dong, a 95% increase compared to the same period last year, marking its highest ever.

Jens Lotter, Techcombank's Chief Executive Officer, stated that the favorable Q4 results were driven by growth in net interest income, a recovery in fee-based activities, and effective cost management.

For the full year 2025, Techcombank's total operating income reached 53,400 billion dong. Pre-tax profit hit a record 32,500 billion dong, 18,2% higher than the previous year. As of 21/1, among banks that have released results, Techcombank currently ranks 5th in terms of profit.

As of 31/12/2025, Techcombank's total assets exceeded 1,19 trillion dong, 22% higher than the beginning of the year, ranking 6th in Vietnam's banking system.

Customer loans increased by nearly 18,4% from the start of the year, reaching 824,000 billion dong, driven by growing credit demand from both individual and corporate customers.

Customer deposits reached 665,600 billion dong, rising by nearly 18%. The bank's non-performing loan (NPL) ratio at the end of last year was 1,13%, 0,1% lower than in Q3/2025.

Trong Hieu