On April 25, Vietnam Technological and Commercial Joint Stock Bank (Techcombank) held its annual general meeting of shareholders to approve the 2026 business plan, cash dividend payment plan and capital increase plan, and propose a comprehensive AI application strategy and expand the ecosystem.
In which, the dividend plan of up to 67% and the largest scale capital increase roadmap in the private banking sector attracted the attention of a large number of shareholders. These steps not only consolidate the leading position of the bank but also lay the foundation for a new growth phase, towards building a comprehensive financial ecosystem of international stature.
Maintain growth momentum, strengthen financial foundation
2025 marks an important milestone in Techcombank's 5-year strategic transformation journey (2021-2025). The bank recorded consolidated pre-tax profit of VND 32,538 billion, an increase of 18.16% compared to the previous year and exceeding the set plan. Total operating income reached VND 53.4 trillion, an increase of 13.6%, while the return on total assets (ROA) remained at a high level of 2.4%.
The balance sheet continues to be consolidated with total assets exceeding 1.19 million billion VND, an increase of more than 21.8%. Notably, the bad debt ratio decreased to 1.13%, belonging to the lowest group in the system, while the bad debt coverage rate increased to 127.9%. Capital adequacy ratio (CAR) reached 14.6%, nearly 2 times the minimum level according to regulations, showing a solid financial buffer against market fluctuations.
Key business indicators continue to maintain leading positions: CASA ratio reached 40.4%; managed assets (AUM) in the Private & Priority segment reached 645 trillion VND, up 86%. The bank also holds leading market share in many segments such as Visa card payments (27%), digital transactions via NAPAS (16%) and bond issuance (38%).
The customer-centered strategy helps Techcombank expand its scale to 18 million customers, adding 2.7 million transactions in 2025 alone.
Pioneering innovation, leading the market
Not only increasing in scale, Techcombank continues to affirm its pioneering role through innovative products and solutions. The "Automatic Profitability" product attracts more than 3.1 million users; a loyal customer ecosystem with more than 5,000 partners; financial solutions for business households recorded a growth rate of 63.7% of main transactions. In particular, unsecured loans applying A.I increased 3.5 times in the past year.
The bank also maintains the Top 1 position in the Brand Health Index (BEI) and achieved NPS 87 - in the highest group in the industry. In addition, Techcombank is also the first and only brand in Vietnam to win a "hat-trick" of 3 prestigious "Best Bank in Vietnam" awards for two consecutive years from three prestigious global organizations Euromoney, FinanceAsia and Global Finance.
In the international market, Techcombank continues to make its mark when reputable institutions such as S&P Global Ratings, Moody's and Fitch Ratings upgrade or improve its outlook, strengthening investor confidence.
Stepping into 2026, the growth momentum continues to be maintained. Quarter I recorded total operating income of 13,700 billion VND and pre-tax profit of 8,900 billion VND, increasing by 17.8% and 22.6% respectively compared to the same period. Income from services increased sharply by 47%, while the life insurance segment broke through with an increase of more than 100% after only 3 months of comprehensive implementation.
New strategy: AI, ecosystem and sustainable development
Faced with a still volatile global economy, Techcombank identifies three strategic pillars for the new period.
First, to become a pioneer bank in applying comprehensive AI, with a data platform processing 8 billion data points per day and operating more than 55 AI models, aiming to personalize customer experience.
Second, banks expand the ecosystem "more than banking services", integrating fields such as asset management, insurance, digital payments and deep cooperation with partners in real estate, consumption, and healthcare. This is considered an important driving force to increase non-interest income.
Third, strengthen ESG commitments, participate in the development of new financial platforms such as digital assets, and accompany the direction of building an international financial center in Vietnam.
The General Meeting approved the business plan for 2026 with two flexible scenarios. In the positive scenario, pre-tax profit is expected to reach VND 37,500 billion, an increase of 15% and bad debt control below 1.5%. The bank expects this to be a feasible scenario based on the current growth momentum.
Notably, shareholders have approved the plan to pay dividends at a total rate of 67%, including 7% in cash and 60% in shares. At the same time, Techcombank plans to issue additional shares to employees, thereby increasing its charter capital to about 113.7 trillion VND - becoming the private bank with the largest capital scale in Vietnam.
These policies not only demonstrate strong financial capacity but also show Techcombank's ambition to reach international level in the new growth era, making positive contributions to the development of the Vietnamese economy.
