Overcoming the 2025 plan, growth associated with risk control
Reporting at the General Meeting, in 2025, TPBank completed and exceeded all targets assigned by the General Meeting of Shareholders, continuing to maintain stable and quality growth momentum.
Consolidated pre-tax profit reached 9,203 billion VND, an increase of 21% compared to the previous year; total assets exceeded 505 trillion VND. Business operations maintained balance with credit balance increasing by 18.08%, market 1 mobilization increasing by 21%, ensuring liquidity and stable capital sources for growth.
Notably, asset quality continues to be tightly controlled with the bad debt ratio decreasing below 1% - a low level in the system, reflecting the effectiveness of risk management and prudent credit policies. This result shows that TPBank not only pursues growth in scale, but also focuses on quality and sustainability in operations.
In parallel with financial results, TPBank continues to record strong progress in expanding and improving customer portfolio quality. In 2025, the bank reached over 16 million customers, attracting an additional 1.2 million new regular customers, raising the total number of regular customers to 6.3 million, equivalent to 39%. This is one of the indicators clearly reflecting the effectiveness in transforming from "quantity" to "quality" of customers.
One of TPBank's strategic focuses is building a smart banking model, based on three pillars: AI-Top, Data-First and Cloud Ready. To date, more than 80% of the bank's systems have been integrated with AI, contributing to improving analytics capabilities, automating processes and personalizing services.
The transaction rate on the digital channel reached 99.5% - among the highest in the industry, showing the almost comprehensive digitalization level in banking operations. Not only stopping at applying technology, TPBank is gradually transforming its operating model, in which data plays a central role, technology is the foundation and customer experience is the consistent goal.
Strengthen the governance platform, strengthen financial capacity and expand the growth ecosystem
The 2026 General Meeting of Shareholders approved many important contents to strengthen the financial foundation and management capacity. Regarding personnel, TPBank elected Ms. Do Quynh Anh - Member of the Board of Directors and Ms. Nguyen Thi Huong Trang - Independent Member of the Board of Directors for the term 2023 - 2028, contributing to enhancing diversity and independence in management.
TPBank submits a plan to pay a total dividend of 20%, including 5% in cash and 15% in shares. Through the issuance of shares to pay dividends, charter capital is expected to increase from 27,740 billion VND to 32,901 billion VND. This plan not only ensures the harmony of shareholder interests but also contributes to consolidating the capital foundation, improving the safety factor and creating room for growth.
Notably, TPBank also approved the policy of establishing a 100% subsidiary bank at the Vietnam International Finance Center in Ho Chi Minh City (VIFC-HCMC) with a charter capital of 3,000 billion VND, and at the same time oriented to participate more deeply in the insurance sector through contributing capital to establish a non-life insurance company with a scale of about 400 billion VND, gradually completing the financial ecosystem.
Positive start to 2026, towards sustainable growth
In Q1/2026, TPBank recorded pre-tax profit of more than 2,310 billion VND, up 9.5%; total assets exceeded 519,000 billion VND; bad debt ratio controlled below 1.5%, continuing to ensure system safety.
On that basis, the bank sets a pre-tax profit target for 2026 of VND 10,300 billion, an increase of 11.9% compared to 2025, firmly orienting growth associated with risk control, improving asset quality and operating efficiency.
In the coming period, TPBank will continue to promote investment in technology, data and artificial intelligence, while expanding its financial ecosystem towards integration, in order to increase customer experience and value. The combination of digital capacity, data platform and flexible operating model is considered a key driving force to help the bank maintain its competitive advantage.
