•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Techcombank’s profit structure continued to strengthen as the bank completed its five-year strategic transformation period (2021–2025) and carried the momentum into early 2026. For 2025, the bank reported a record pre-tax profit of 32,538 billion dong. In Q1 2026, pre-tax profit reached nearly 8,900 billion dong, up about 23% year-on-year and the highest quarterly profit in Techcombank’s history.
A key highlight in the latest results was a record increase in fee income. Net fee income (NFI) rose 47% to 3,600 billion dong. Life-insurance fee income increased 103.4% after three months of comprehensive rollout.
With Vietnam’s banking sector moving toward a “30 trillion dong” profit club, the growth in NFI points to a structural shift toward a higher-quality income mix. Techcombank’s leadership in NFI, ROA, and CASA was cited as evidence of a business model that is not only larger, but also more sustainable, diversified, and aligned with top Asian banks’ standards.
Techcombank’s NFI segment delivered a breakout performance, reaching a new historic peak of 3.6 trillion dong, attributed to a mature and comprehensive financial ecosystem. The bank also reported steady growth across core service lines built on a decade of operational foundations.
After years of strong card market share, Techcombank’s card service fees rose 15.4% year-on-year to 442.5 billion dong. The bank linked the increase to efforts to boost cardholder spending through incentives and improved convenience, supported by integration with bank accounts, loan products, consumer finance, and ecosystem partners—encouraging multi-channel spending and higher transaction frequency.
Income from trade finance (LC), cash handling and payments reached 1.6 trillion dong, up 158.6% year-on-year and 59% quarter-on-quarter. The growth was attributed to continued rollout of new solutions and product improvements.
With the introduction of life and non-life insurance subsidiaries, Techcombank completed a “One Stop Shop” financial services ecosystem designed to provide a seamless customer experience. After three months nationwide, service income from insurance—including bancassurance—reached 429.2 billion dong, up 103.4% year-on-year. The bank said this was driven by strong insurance revenue at subsidiaries following comprehensive life insurance product rollout from Q1 2026.
FX-related service income also contributed to fee-driven earnings, reaching 349.3 billion dong, up 25.4% year-on-year and 11% quarter-on-quarter.
At the 2026 AGM, Techcombank approved multiple strategic decisions aimed at maintaining domestic leadership and expanding international reach within an expanded financial-ecosystem. The bank also highlighted increased AI investment and sustainable development, along with plans to expand ecosystem services beyond traditional banking.
Techcombank’s results underscore the role of fee income in its profit structure. Net fee income reached a historic peak of 3.6 trillion dong, card service fees rose to 442.5 billion dong, insurance-related service income reached 429.2 billion dong after three months of rollout, and FX-related service income totaled 349.3 billion dong. The bank’s AGM strategy further emphasizes building from a national base toward an international-scale financial ecosystem supported by AI and broader service expansion.
Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…
