TPBank exceeded its 2025 targets, with profits increasing by 21%

TPBank recorded consolidated pre-tax profit of VND 9,203 billion in 2025, a 21% increase compared to 2024. Along with this, efficiency indicators such as ROE, CASA, and service income continued to improve, demonstrating a strengthened growth quality.

Expansion in parallel with strengthening asset quality

According to the consolidated business results report for 2025, TPBank recorded pre-tax profit of VND 9,203 billion, a 21% increase compared to 2024. In the context of a challenging market, double-digit profit growth reflects the bank's flexible and efficient resource allocation. Profitability continued to improve, with the ROE reaching approximately 18%, an increase from the previous year and a relatively positive level compared to the market average, showing that growth quality is maintained alongside expansion.

In 2025, TPBank recorded consolidated pre-tax profit of VND 9,203 billion, a 21% increase compared to the previous year.

Along with the profit results, TPBank's operations continued to expand, with total assets exceeding VND 506 trillion. The bank's loan portfolio increased by 18.08%, while market 1 deposits increased by approximately 21%, reflecting its ability to maintain credit growth and strengthen its capital base amidst increasing deposit competition.

Notably, the quality of growth continued to be tightly controlled. The non-performing loan ratio decreased to 0.96%, reflecting the effectiveness of risk management and asset quality control. Simultaneously, the CASA ratio reached 23%, indicating a stable foundation in demand deposits, contributing to reduced capital costs and improved profit margins in the long term.

Digital Channels and Services Drive Growth, Strengthening Revenue Quality

In 2025, TPBank projected total operating income (TOI) exceeding VND 18,900 billion, demonstrating continued revenue expansion amidst challenging market conditions. Net income from services reached approximately VND 4,160 billion, accounting for 22% of total income and increasing by nearly 24% year-on-year, reflecting a positive trend in diversifying revenue sources and reducing reliance on traditional credit.

This growth momentum is closely linked to the effectiveness of its digitalization strategy. By the end of 2025, TPBank had reached 16 million customers, with 99% of transactions conducted through digital channels, showcasing a clear shift of customers towards digital banking, while also contributing to optimizing operating costs and improving operational efficiency.

Over the past year, TPBank continued to make its mark through the campaign “TPBank App – Ultimate Convenience. Ultimate Living,” marking a repositioning of the app towards a lifestyle-oriented approach, getting closer to younger customers. The 360° communication campaign helped TPBank rank in the Top 3 most discussed on social media and Top 1 in positive sentiment on the Threads platform. Notably, the brand effect translated into business results, with a 200% increase in new users, a daily record of 120,000 TPBank app downloads, a 150% increase in average monthly transactions, and a 300% increase in card issuance compared to previous months.

These results are built on a foundation of technology that has been systematically invested in over many years. TPBank remains committed to its direction of using data and artificial intelligence as its pillars, with over 80% of its core features powered by AI. These efforts have been recognized through prestigious awards both domestically and internationally, such as the “Outstanding Digital Transformation” award at the Vietnam Digital Awards (VDA) 2025, the titles of “Best Digital Bank & Payment Solution for Businesses” and “Leading Strong Bank in Vietnam” selected by The Asian Banker, and the title of “Comprehensive Digital Bank of the Year” at Fchoice 2025.

From its technological foundation to operational efficiency and business results, according to CEO Nguyen Hung, the core elements that have helped TPBank not only overcome challenges in 2025 but also prepare for growth opportunities in the next phase are its unwavering commitment to a sustainable growth strategy, tight risk control, and consistent governance discipline.