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On April 25, 2026, Techcombank (Vietnam Technological and Commercial Joint Stock Bank, HOSE: TCB) held its 2026 Annual General Meeting of Shareholders, marking a milestone in its development. The AGM approved plans for Techcombank to become Vietnam’s private bank with the largest charter capital and set out a five-year strategic vision focused on building a comprehensive financial ecosystem “more than banking services,” including the pioneering use of artificial intelligence (AI) to support international expansion.
Techcombank closed its five-year strategic transformation period (2021–2025) in 2025 with strong financial performance. The bank reported consolidated pre-tax profit of 32,538 billion dong, up 18.16% year over year and above its plan. Total operating income reached 53.4 trillion dong, while total assets surpassed 1.19 quadrillion dong, up 21.82%.
Asset quality remained solid. The non-performing loan (NPL) ratio fell to 1.13%, among the lowest in the market. NPL coverage increased to 127.9%, and the capital adequacy ratio remained healthy at 14.6%.
In the first quarter of 2026, Techcombank continued to accelerate performance, posting the highest-ever pre-tax profit of 8,900 billion dong. Service income rose 47% to 3,600 billion dong. Life insurance growth reached 103.4% after three months of comprehensive rollout, reflecting the effectiveness of cross-linked services within the bank’s ecosystem.
Techcombank attributed its performance to a customer-centric approach. The bank reported 18 million customers, including 2.7 million new customers joining the ecosystem in 2025. It also maintained leadership in key metrics, including the highest CASA ratio in the market at 40.4%.
In wealth management, Techcombank reported assets under management for the high-net-worth segment of 645 trillion dong, up 86%. The bank also held market shares of 27% in nationwide Visa card payments, 16% in NAPAS digital transactions, and 38% in the bond issuance market.
Operational performance earned Techcombank a “Best Bank in Vietnam” award from Euromoney, FinanceAsia, and Global Finance across two consecutive years. International rating agencies including S&P, Moody’s, and Fitch Ratings continued to express positive views and upgrade the bank’s credit ratings.
At the 2026 AGM, shareholders approved the board’s proposals, including plans to pay cash dividends and to raise capital through cash and stock dividends totaling 67%. The bank said this would position Techcombank as Vietnam’s largest private bank by charter capital, providing resources to sustain and strengthen its core business pillars.
To address potential impacts from global supply-chain disruptions and geopolitical developments, Techcombank presented two flexible business scenarios for 2026 based on a 12% credit limit. Under a faster resolution of volatility, the bank targeted pre-tax profit of 37,500 billion dong; under a prolonged scenario, the target was 35,000 billion dong. The stated objective is to optimize the balance sheet, tightly control bad debts, and ensure the ecosystem grows safely and sustainably with maximized investor protection.
Techcombank outlined a five-year strategic framework to expand its ecosystem toward international reach, emphasizing three priorities for 2026.
The bank’s core focus for 2026 is positioning Techcombank as the first bank to implement AI comprehensively. Management said AI will serve as the “heartbeat” of the ecosystem, enabling ultra-personalized experiences, improving staff productivity, and supporting 24/7 service continuity.
Techcombank plans to extend its ecosystem beyond traditional banking to build a closed-loop value chain, including capital markets, wealth management, and next-generation payments platforms to boost cross-border transactions. The bank also plans to deepen connections with strategic partners in key sectors such as real estate, consumer, and healthcare. Management said the approach is intended to embed Techcombank in customers’ lives beyond funding, increasing fee income.
Techcombank also reaffirmed commitments to sustainable ESG development and the creation of advanced digital asset platforms. The bank said its ecosystem is positioned to support Vietnam’s modernization of international financial centers and to pursue overseas expansion.
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