TPBank targets pretax profit of 10.3 trillion VND in 2026 and plans to raise charter capital to 32.901 trillion VND

TPBank held its 2026 Annual General Meeting of Shareholders in Hanoi on June 24, 2026 to approve important items related to the 2025 results, development directions, and the 2026 business plan. Overview: In 2025, TPBank achieved consolidated pre-tax profit of 9,203 billion VND, up 21% year-on-year, with total assets exceeding 505 trillion VND. Lending grew 18.08% and deposits in the primary market rose 21%, ensuring liquidity and a stable funding base. Asset quality remained strong, with non-performing loan ratio dropping below 1%, among the system’s lowest levels, reflecting effective risk management and prudent lending. The bank also progressed in expanding and improving its customer base, reaching over 16 million customers in 2025 and adding 1.2 million new regular customers to 6.3 million active customers (39%). A core strategic focus is building a smart banking model based on AI-Top, Data-First and Cloud Ready; more than 80% of the bank’s system has integrated AI, enhancing analytical capability, automation, and personalization. The share of transactions through digital channels reached 99.5%, among the highest in the sector, indicating near-complete digitization. The bank is gradually transforming its operating model with data at the center, technology as the enabler, and customer experience as the continuous objective. Governance strengthening, financial capacity and ecosystem growth: At the 2026 AGM, TPBank approved governance enhancements, including appointing Ms. Do Quynh Anh to the Board and Ms. Nguyen Thi Huong Trang as an independent director for the 2023–2028 term. TPBank proposed a total dividend payout of 20%, with 5% in cash and 15% in shares. By issuing shares as dividends, charter capital is expected to rise from 27.740 trillion VND to 32.901 trillion VND, reinforcing the capital base and safety margin and providing room for growth. The bank also approved plans to establish a 100% subsidiary at the Vietnam International Financial Center (VIFC) in Ho Chi Minh City with charter capital of 3.000 trillion VND, and to participate more deeply in the insurance sector by contributing to establish a non-life insurance company with charter capital around 400 billion VND, as part of completing the financial ecosystem. Positive start to 2026, guiding sustainable growth: In Q1 2026, TPBank reported pretax profit of over 2.310 trillion VND, up 9.5%; total assets surpassed 519,000 billion VND; NPL ratio remained under 1.5%, continuing to ensure systemic safety. Based on this, the bank targets 2026 pretax profit of 10.300 trillion VND, up 11.9% from 2025, with a focus on growth combined with risk control, asset quality enhancement and operating efficiency. Going forward, TPBank will continue to invest in technology, data and artificial intelligence, while expanding its financial ecosystem toward integrated finance to enhance customer experience and value. The combination of digitization, a data platform, and a flexible operating model is viewed as the key driver helping the bank maintain its competitive edge. With a solid financial foundation, a clear digitization strategy, and agile adaptability, TPBank aims to strengthen its position among leading banks in efficiency and innovation, pursuing sustainable long-term growth and continuing to lead in shaping the digital banking model in Vietnam.