TNEX ranks 65th in TABInsights World’s Top 100 Digital Banks 2026, highest among Vietnamese entrants

TNEX has been listed at position #65 globally in TABInsights' World’s Top 100 Digital Banks Ranking 2026, with a score of 29.0. This is also the highest ranking among Vietnamese representatives in the list this year. This achievement reflects a new phase of TNEX's development: from a digital financial platform focused on expanding its user base to a growth model that emphasizes financial efficiency, asset quality, and risk management capability. Evaluated on five core capacity pillars TABInsights' ranking doesn't just look at user scale or brand recognition, but assesses digital financial institutions on five criteria: customers, coverage, financial efficiency, balance-sheet health, and capital-raising capability. With a score of 29.0, TNEX is recognized as one of the notable digital financial models in the region, especially given that digital financial platforms increasingly need to prove operating efficiency and long-term value creation. Capital raising, scaling, strengthening financial foundation One key pillar enabling TNEX's breakout is the completion of increasing its charter capital to 1,500 billion VND in 2025. This milestone helps the company enhance its financial capacity, expand growth headroom, and better meet new capital safety requirements. According to the 2025 annual report, TNEX recorded total assets up 84%. The lending book from digital financial products grew more than threefold, while revenue from key product groups rose sevenfold year over year. Notably, growth is not at the expense of risk. Credit quality is tightly controlled, with the non-performing loan ratio down 30% thanks to the deployment of a data-driven risk management system. This is notable in the digital consumer finance sector, where rapid growth must be paired with real-time risk identification, measurement, and control. Operational efficiency improved through comprehensive digitalization As a fully online digital financial platform, TNEX operates without a network of physical branches. This model helps the company optimize costs, rapidly expand customer reach, and be more flexible in product deployment. Application of AI and big data has helped TNEX reduce time to customer decision to just 5 seconds. At the same time, operational efficiency improved, as evidenced by a 20% reduction in cost-to-income ratio over the past year. This platform is a key foundation for TNEX to continue scaling while maintaining financial discipline and operational efficiency. Sustainable growth within the MSB ecosystem Within the MSB ecosystem, TNEX is gradually affirming its role as a strategic growth driver in the digital consumer finance field. Support in resources, governance experience, and the parent bank's financial platform helps TNEX broaden its model sustainably. Through collaborations with major partners such as ZaloPay, Viettel Post, MISA, and KiotViet, TNEX continues to extend service coverage to individual customers and small-to-medium-sized business communities. Joining the Top 100 global digital banks in 2026 is a recognition of a selective growth journey, risk control, and enhanced efficiency of TNEX. In the 2026–2029 period, the company aims to maintain balance between growth pace, asset quality, and financial efficiency, aiming to increase enterprise value and contribute more clearly to the MSB ecosystem. Ánh Dương